Construction financing – loans you can build on

Funding Circle offers construction company and equipment financing from $25k to $500k. From working capital to heavy equipment purchases, our competitive rates, exceptional service and fast and easy application process make us the go-to choice for financing within the construction industry.

Whether new or used, heavy equipment financing can come with a hefty price tag — and Funding Circle is here to help so you can propel your business forward with the machines you need.

Our affordable construction equipment loans allow you to free up capital for where you need it most. With our great rates, you can afford to purchase the best equipment instead of leasing older models.

Planning new construction equipment financing in a profitable manner can be a challenge. As a financing partner to over 56,000 small businesses, we know how important affordable financing is to business health — that’s why we do our job by delivering:

Best-in-class service with a dedicated account manager

Fixed monthly payments

Transparent rates and a simple, one-time origination fee

Commercial construction loans to:

Move or expand your space

Give your business room to grow with a bigger office, new location, or more warehouse space.

Refinance debt

Convert high-interest debt into one monthly payment, with no prepayment penalties.

Buy inventory or equipment

Invest in new equipment and fulfill every order through bulk inventory purchases.

Hire more employees

Take your business to the next level by expanding your team and adding new skill sets.

Quick and easy to apply

Apply online (in under 10 minutes)

Submit your initial application in just a few clicks.

Hear from us (within 1 hour)

Your personal loan specialist is available to help you collect your documentation and answer any questions.

Get a decision (in as little as 24 hours)

Your underwriter will review your completed application and may call to get to know your business more.

You get funded (in as few as 5 days)

Funding Circle, by far, impressed me more than any other lender I spoke to. They were immediately responsive and the process was so streamlined — it was a great experience.

Peter Koshland of Koshland Pharm

Why Funding Circle

Funding Circle was created with a big idea: to revolutionize the outdated banking system and secure a better deal for small businesses. We passionately believe that when small businesses succeed, everyone benefits. To help your business thrive, we’ve taken the best parts of an SBA loan — like fixed and affordable once-monthly payments and no prepayment penalties — and created something faster and more flexible. From accountants and jewelers to bakers and filmmakers, we’ve helped thousands of businesses secure the financing they need to grow, create jobs, support local communities, and drive the economy forward.

reviews

I could not believe how simple, quick, easy, and competitive this loan turned out to be. The overall experience could not have been better!

David, February 2016

Frequently asked questions

The underwriting process at traditional banks can be lengthy, confusing, and opaque. At Funding Circle, we’ve taken the best parts of an SBA business term loan — like fixed and affordable once-monthly payments and no prepayment penalties — and created something faster and more flexible. Unlike traditional lenders, we also deliver a best-in-class and transparent experience to our business customers. You’ll work with a dedicated loan specialist who will guide you through the entire application process and remain focused on meeting your unique financing needs. We strive to deliver a decision quickly – often as fast as 72 hours after you submit your application.

Yes, all of our loans are secured.

We require a lien on your business assets and a personal guaranty from the primary business owners. Collateral can include, but is not limited to, equipment, vehicles, accounts receivable, and inventory.

At this time we do not offer loans for real estate “flipping”, or buying and re-selling residential property for profit.

Read, learn, and grow

Is it time to jumpstart your business? Get the inspiration you want and the knowledge you need to help your business thrive. Read advice from fellow entrepreneurs, financing tips, operating advice, and more on Funding Circle’s Resource Center.